Payment Advisors Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your Payment Advisors merchant account statement. Not with Payment Advisors? That's ok, we can find excessive fees in any credit card processing statement. We've already found $1,156,834 in hidden fees this year! Submit a recent statement to try it out for free!

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Payment Advisors Rates, Fees, and Costs

Key Points

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Early Termination Fee

Undisclosed

PCI Compliance Fee

Undisclosed

Equipment Lease Terms

Undisclosed

Variable Contract Terms

There is no publicly available information about the standard Payment Advisors contract, but it’s likely that the company’s pricing will vary dramatically from merchant to merchant. Payment Advisors focuses primarily on high risk industries, and it’s common for high risk merchants to pay higher rates, endure six-month rolling reserves, and adhere to very strict chargeback limits. We cannot find any complaints about Payment Advisors’ contract terms, which suggests that most of its users are satisfied. However, it is entirely likely that merchants could pay monthly minimum fees, PCI compliance fees, and early termination fees through the company.

Expect Higher Prices

Based on its area of focus, merchants should not expect Payment Advisors’ pricing to compete with the cheapest merchant accounts. If you have any information about the standard Payment Advisors agreement, please share it in the comment section below.

Response from Payment Advisors

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Payment Advisors Complaints & Customer Reviews

Key Points

Total Online Complaints

<10

Live Customer Support

Yes

Most Common Complaint

N/A

Low Complaint Total

We are able to locate only one negative Payment Advisors review, and there is no evidence that the company is a scam or a ripoff. This lone complaint describes poor customer service from an executive at the company. Payment Advisors is a small organization that has only been serving a niche market since 2014, so its client base is unlikely to be very large. Even so, any high risk company that maintains a nearly clean complaint record is impressive due to the increased likelihood of fund holds and account closure that these types of businesses face.

Payment Advisors Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Payment Advisors. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Payment Advisors Customer Support Options

Payment Advisors lists a phone number and email address on its website, but it is unclear whether these channels are intended for customer service. This falls short of our expectation of top-rated payment processors for great customer service. Overall, we will reward the company’s spotless record with an “A” rating, but we would also warn merchants that there is not much public feedback about Payment Advisors to base this rating on.

Response from Payment Advisors

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers

Unknown

Advertises Deceptive Rates

No

Discloses All Important Terms

No

Inside/Outside Sales Team

Payment Advisors appears to market itself via online advertising and referral relationships. The company has partner-oriented materials on its website that suggest that it utilizes ISO, sub-ISO, or independent reseller relationships, but there is no hard evidence that it maintains an outside sales team. We are unable to locate any Payment Advisors complaints that describe unethical sales tactics by the company or its management team, and the Payment Advisors does not feature any deceptive rate quotes or guarantees.

Payment Advisors Rate Quotes

One page on the Payment Advisors website advertises “0% Processing,” which appears to be some sort of cash discount or zero fee program. This type of pricing plan surcharges customers to compensate for the cost of merchants’ transaction fees, which means that it isn’t necessarily deceptive of the company to advertise 0% processing. Merchants should ensure that they understand the full scope of the plan before signing up for it. If you suspect you are being overcharged by Payment Advisors, you can double-check your bill with a third-party statement audit.

Response from Payment Advisors

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Our Opinion of Payment Advisors

A Solid Choice for High Risk Merchants

Payment Advisors rates as a reliable option for most high risk business types. The company appears to be relatively small and new, but it has not yet accumulated many negative reviews. As usual, merchants in high risk industries should be prepared to encounter stringent application protocols as well as less-than-competitive pricing regardless of their processor. We encourage merchants to compare Payment Advisors’ pricing to that offered by top-rated high risk payment processors.

About Phillip Parker

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

Get started right away! I've help businesses save $1,156,834 this year alone! Submit a recent statement and I'll take a look at it for free.

1ReviewLeave Your Review for Payment Advisors Below

Beware:: Marci Duniec is the “Director of Operations” Her husband is the president. Unfortunately, she acts as though she has no knowledge of their services. She will manipulate you and not tell you full details. As soon as you accept their offer, she will be unavailable for your calls. If you have any questions after you submit the form she is pure rude. Once she has a contract, she will take as much money as she can and say “Too bad” the application is misrepresented and not clear. If you ask Marci, she will tell you one thing and then charge another. Please, be aware of this company, they are the furthest from an honest company as it gets. It’s fraud at its finest.

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.

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Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.

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About The Author

Phillip Parker is a former merchant services agent who now spends his time reviewing merchant account providers and writing articles about credit card processing to help small business owners find the right services for their needs.

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